Live Oak Bancshares, Inc.
LOBFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 9, 2026
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Daily timeframeHeadquartered within the financial services sector, Live Oak Bancshares, Inc. focuses on Banks - Regional services and products. Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company carries a $1.82B market cap, placing it firmly in the small-cap category. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits.
Market Cap
$1.82B
Beta
1.87
P/E (TTM)
13.76
P/E (Fwd)
9.30
EPS (TTM)
$2.86
EPS (Fwd)
$4.23
ROE
11.7%
ROA
0.9%
Cash
$927.9M
Total Debt
$99.8M
Free CF
—
52W Change
7.9%
Annual Financials
Cash vs Debt
Where LOB stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, LOB finished 2.81% above its 150-day moving average ($38.43) and 5.33% above its 200-day moving average ($37.51). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is LOB overbought or oversold?
At the September 3, 2026 close, LOB's RSI(14) was 20.1, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Live Oak Bancshares, Inc. holds $927.9M in cash against $99.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 11.7%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $391.9M (2022) to $541.2M (2025), reflecting a 38% increase over the period.
A beta of 1.87 means LOB is more volatile than average. Investors should be prepared for wider price swings relative to broader indices. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Live Oak Bancshares, Inc.'s trajectory.